You have been more than just helpful, thanks for the time you took on this.

I slept on it, I think I will do the "amended return" simply to attach a statement that the TP knew about this, tried to correct it (with BofA) and was unsuccessful. I know this is not the purpose of amending but I just want it on the record. Sending a letter to who knows where to the IRS IMO would only cause confusion as, in my experience, the lower levels of folks there barely know what they are tasked with doing and that is scary.

This way, if it every comes up (matching) I have it covered.

I imagine you think this unnessary, but I don't think any harm can come this way.

Bob